{"schema_version":"secwatch.filing_event.v1","accession":"0001564590-23-003498","form_type":"8-K","ticker":"UMBF","cik":"0000101382","company_name":"UMB FINANCIAL CORP","filed_at":"2023-03-13T23:59:59+00:00","discovered_at":"2026-05-14T18:03:43.488794+00:00","generated_at":"2026-06-18T04:09:51.328002+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"other_material","sentiment":"positive","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"UMB Financial reaffirms strong liquidity and deposit base amid banking sector volatility","bullets":["Uninsured deposits estimated at ~57% after excluding collateralized deposits; no crypto exposure.","Available liquidity sources total $16.2B (52% of deposits); CET1 ratio 10.62% at year-end 2022.","Deposits well diversified: consumer avg <$25K, commercial avg <$500K; no sector over 6% of total.","Non-performing loans only 9 bps of total loans; bond portfolio high-quality with no intent to sell AFS."],"urls":{"canonical":"https://secwatch.observer/filing/0001564590-23-003498","json":"https://secwatch.observer/filing/0001564590-23-003498.json","markdown":"https://secwatch.observer/filing/0001564590-23-003498.md","text":"https://secwatch.observer/filing/0001564590-23-003498.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/101382/000156459023003498/0001564590-23-003498-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/101382/000156459023003498/umbf-8k_20230313.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-18T04:09:51.328002+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}